Who Has the Cheapest Insurance for a Nissan Altima in Utah?

Finding affordable insurance for a Nissan Altima in Utah depends on things such as when you were born, what you do for a living, and the level of deductible you choose. Drivers in Utah pay approximately $660 each year for Altima insurance, but that policy rate is a valuation based upon a 50-year-old married female driver that has full coverage and $500 physical damage deductibles.

This brings up the issue that more than likely you are not a 50-year-old female, single instead of married, and you need different coverage limits than the sample rates. Even a minor change in rating criteria or coverage limits can result in big changes in rates.

Auto insurance is unique to each driver, so the most reliable method for finding affordable rates for your Nissan is to compare rates from as many companies as possible.

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The trim level of your Altima can impact the yearly cost, so the price you will be charged to insure a Altima 2.5 4-Dr Sedan trim level will be $142 less than the price to insure the higher-priced Altima 3.5 SR 2-Dr Coupe model, as shown in the chart below.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in zip code location which can alter auto insurance rates greatly.

Deciding which company has the best car insurance rates for a Nissan Altima may require a little more effort than just comparing rates from one or two companies.

Every insurance company has a proprietary formula for setting rates, so let’s take a look at the car insurance companies with the most affordable rates in Utah. Keep in mind that Utah car insurance rates are impacted by many factors that will increase or decrease the policy price. Turning one year older, filing a claim, or having an accident can produce rate changes resulting in some companies being cheaper than before.

Cheapest Insurance Rates for Your Altima

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Bear River may offer some of the lowest car insurance rates in Utah at around $590 a year. USAA, Auto-Owners, American Family, and GEICO also are some of the most economical Utah insurance companies.

As depicted above, if you currently have coverage with GEICO and switched to USAA, you could see yearly savings of roughly $256. Insureds with Allied could save as much as $271 a year, and Safeco insureds might reduce prices by as much as $294 a year.

If you want to see how much you could save, click here to begin a quote or visit several of the following companies.

Remember that these policy prices are averaged across all insureds and vehicles and do not take into consideration a specific rate value for a Nissan Altima. So the insurer that is best for you may not even be included in the list above. That illustrates why you need to get car insurance quotes using your own specific driver and vehicle information.

The diagram below highlights how deductible choice can impact insurance premiums when searching for cheap insurance for a Nissan Altima. The data is based on a married female driver, full physical damage coverage, and no policy discounts are applied.

As shown above, a 50-year-old driver could cut expenses by $218 a year by switching from a $100 deductible up to a $500 deductible, or save $330 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could roll back prices up to $544 every year just by using higher deductibles.

When using a larger deductible, it is a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Discount Utah insurance rates

Insurers that offer the cheapest insurance for a Nissan Altima in Utah may provide discounts that can reduce rates by as much as 35% if you meet certain criteria. Large car insurance companies and some of the premium reductions they offer are:

The chart below visualizes the comparison of premium costs with and without policy discounts. The rate quotes are based on a female driver, no accidents or driving violations, Utah state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with homeowner, vehicle safety, multiple policy, safe-driver, claim-free, and passive restraint discounts applied. When discounts are factored in, the the average amount saved on car insurance for a Nissan Altima is % or $.

Who has the cheapest Nissan Altima insurance quotes?

There are a variety of different ways to find lower-cost car insurance in Utah, but the most frequently used are through a non-exclusive or independent agent, an exclusive insurance agency like State Farm or Auto-Owners, or direct online or over the phone from a company like Progressive or Geico.

You can use whichever you prefer, but shoppers should understand the differences in how they price policies.

Independent agencies are appointed by several companies and can do rate comparisons with all of them. These types of agents are not employed by one specific company and can provide you with more rates, which can give you better odds of saving money. If your agent finds a cheaper company, you can get a different policy without having to get a different agent.

An exlusive, or captive, agency is only able to give prices for one insurance company such as a State Farm or Farmers agent. Exclusive agents generally are unable to provide other companys’ prices, so if finding the cheapest coverage is your goal, you will need to shop around.

The last way is buying direct, which means you forego local agents and instead shop from a direct company like Esurance or Geico. Shopping for car insurance direct may be preferred by families who have little risk and have a decent understanding of how car insurance works.

Which method is best to find the cheapest insurance for a Nissan Altima in Utah? Our initial answer would be buying from a direct car insurance company results in the cheapest rates because you bypass the agent, but in reality, that is not true. It would also be easy to say using an independent agent is the best way to save since they can provide multiple quotes, but that is not accurate either. And often times, exclusive agents may have prices that are the lowest in Utah.

Because there is so much variation in car insurance prices, the best way to make sure you’re not overpaying for car insurance is to get as many comparison quotes as possible. It’s a good idea to get price quotes from all three to give yourself the best selection. To see some of the cheapest online companies available, click here to view.

How to find low-cost car insurance for a Nissan Altima

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help Utah drivers locate low-cost auto insurance.

• Bundle home or renters insurance to earn a discount on car insurance
• Drivers with good credit ratings often pay less
• Older vehicles may not need full coverage
• Vehicles with good safety ratings are usually cheaper to insure
• Do not get into accidents
• Ensure you have the best deal by shopping around regularly

That last idea is notably vital, as we hit on in the prior article. Prices charged by companies go up and down frequently, so you should be ready to buy a policy from a new company if a more affordable rate is found. We understand brand loyalty, but we do not recommend it if that loyalty ends up costing hundreds of dollars a year. It only takes a couple minutes to shop around to find cheaper car insurance for a Nissan Altima.